Checking

Household Checking

  • FREE with Direct Deposit
  • FREE with Truncated Statement
  • FREE Internet Banking and Bill Pay
  • FREE Checks (some restrictions apply, see below)
  • FREE ATM Card or VISA Debit Card
  • Backup Savings Account for Overdraft Protection

Account Fees

  • NO monthly maintenance fee or per debit item charge if a $500.00 minimum daily collected balance is maintained throughout the statement cycle. If the balance drops below $500.00, the following fees will apply:
    • $7.50 per month maintenance fee
    • 30 Free debit items - 30 cents for each debit over 30
  • No account fees with Social Security or Payroll Direct Deposit or with truncated statement.

Statement Charges

NO statement charge for truncated statements or imaged statements

Minimum Deposit to Open Account

$100.00 minimum opening deposit

FREE Basic Checks

  • With Direct Deposit of Payroll or Social Security.
  • 2 boxes per order, non-duplicate checks only.
  • Discounts on duplicate style checks.

 

Household Interest Checking (NOW)

The Household Interest Checking Account is designed for the customer who wants interest on their money and the flexibility to write checks.

Interest Rate

The interest rates and annual percentage yields on this type of account will be based on the following balance levels:

  • Level 1 $0 - $999.99
  • Level 2 $1,000.00 - $9,999.99
  • Level 3 $10,000 - $24,999.99
  • Level 4 $25,000 +

The rates and yields will be disclosed by posting in the lobby of the bank and will change at the discretion of the bank from time to time. The initial rate will be disclosed when the account is opened.

Balance Computation Method

The daily balance method is used to calculate the interest on this account. This method applies a daily periodic rate to the daily collected balance

Compounding and Crediting

Interest will be credited at the end of the monthly statement cycle and will be compounded monthly. An account closed before interest is credited will not receive accrued interest that has not yet been credited to the account. Interest begins to accrue no later than the business day the bank receives credit for the deposit of non-cash items.

Account Fees

NO monthly maintenance fee or per debit item charge if a $700.00 minimum daily collected balance is maintained throughout the statement cycle.  If the balance drops below $700.00, the following fees will apply:

  • $7.50 per month maintenance fee
  • 30 Free debit items - 30 cents for each debit item over 30

Statement Charges

NO statement charge for imaged statements

Minimum Deposit to Open Account

$100.00 minimum opening deposit


All accounts and certificates of deposit are subject to the bank's Deposit Account Agreement and Disclosure in effect. There may be additional charges and fees for services, as set forth in our Schedule of Service Charges and Fees.

 

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